Who can write your will? Only these three people

Posted Leave a commentPosted in Personal finance

I am not in the business of writing wills, but as a holistic wealth manager and financial planner, I often need to ask whether clients have an updated will. If not, I believe I have a duty to make a referral to the best person I believe can help write your will, if you need […]

Why I love investing in health care, not biotech

Posted Leave a commentPosted in Charts

I prefer to be as sector agnostic as possible when investing, but when pressed, I admit that healthcare is one of my preferred industries to invest in.  While sensitive to regulation and high professional service fees, healthcare is something humans have always needed, are likely to always need, which technology has made enormously higher in […]

Investing only in Real Estate or Bank Stocks

Posted Leave a commentPosted in Charts

Today’s chart in the sectors category plots what would happen if you only invested in either bank stocks or REITs, rather than the overall market. Financial analysis and accounting courses often treat financials separately, because financials like banks and insurance companies don’t really have “revenue” like other businesses do, and REITs are more about assets […]

Is it Safer to Invest in Utilities or Staples?

Posted Leave a commentPosted in Charts

At times like these, after a high growth sector like technology, telecom, computers, or railroads has had an amazing decade of high performance and high valuations, it is natural to ask whether it makes sense to invest in more “boring” sectors of the stock market like utilities and consumer staples. Today’s chart in the sectors […]

A tale of two tech funds

Posted Leave a commentPosted in Charts

Investing in technology is definitely exciting, but it is just as definitely difficult and uncertain which technology companies will become exponentially profitable and which will simply die.  Today’s chart in the sectors category is titled “A tale of two tech funds” plotting the dramatically different performance between two of the oldest technology sector funds from […]

Value like it’s 1999

Posted Leave a commentPosted in Charts

40 years ago, in 1979, BusinessWeek published its now infamous cover “The Death of Equities“, after one of the worst decades for US stock investors over the past century. 20 years ago, in 1999, the Nasdaq was still soaring on the back of a .com technology stock bubble just as famously burst the following year. […]

Vanguard Growth Underperformed the S&P 500 Over 40 Years

Posted Leave a commentPosted in Charts

Following the last post’s chart showing how 75% of the returns investing in the S&P 500 came from dividends, this chart by how much Vanguard Growth Underperformed the S&P 500 over the past 40 years. Not only did the growth fund provide turn an investor’s 1980 $100 into a significantly lower sum ($2,222 vs $5,280 […]

75% of S&P 500 Returns Come From Dividends: 1980-2019

Posted Leave a commentPosted in Charts

In the short term, stock returns are dominated by the ups and downs of price movements, in the long run, stock returns are dominated by dividends. A common question is “what percentage of stock returns come from dividends over the long run?”, to which I have a simple answer using the past 40 years of […]

Book Review: 101 Biggest Estate Planning Mistakes

Posted Leave a commentPosted in Books

I rarely read books about celebrities and their stories. Even though I read a lot, it is also rare for me to mention a book I’ve read and enjoyed so much in so many conversations as this one: 101 Biggest Estate Planning Mistakes by Herbert Nass. Published in 2009, this book even has a recommendation […]

Hong Kong vs Singapore

Opening an Investment Account: US vs Hong Kong vs Singapore

Posted Leave a commentPosted in Investing, Personal finance

Although recent protests have drawn more international news cameras than usual, international wealth management clients have compared opening an investment account Hong Kong to having one in Switzerland, Singapore, or South Florida (Miami) for decades if not since the World Wars. While Hong Kong vs Singapore may be the most overdone comparison in Asia, this […]